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This page was last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Fair Credit Lenders in Lakeland FL

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Magnify Credit Union
961 Co Rd 540A Lakeland
FL 33813 - www.magnifycu.org
863.425.5611


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Florida Central Credit Union
4630 Florida Ave S, Lakeland
FL 33813 - floridacentralcu.com
863.687.4166

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Grow Financial FCU
2645 Florida Ave S, Lakeland
FL 33803 - 800.839.6328
www.growfinancial.org

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Publix Employees FCU
3005 New Tampa Hwy, Lakeland
FL 33815 - www.pefcu.com
863.683.6404

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Railroad & Industrial FCU
3305 Lakeland Hills Blvd
Lakeland - FL 33805
www.rifcu.org - 800.769.1424

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Sunshine Bank
3340 Florida Ave S, Lakeland
FL 33803 - 863.648.2265
www.mysunshinebank.com

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Bank of Central Florida
101 Florida Ave S, Lakeland
FL 33801 - 863.682.7100
www.bankofcentralflorida.com

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Bank of Central Florida
5015 Florida Ave S, Lakeland
FL 33813 - 863.701.2685
www.bankofcentralflorida.com

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Chase Bank
4820 Florida Ave S, Lakeland
FL 33813 - locator.chase.com
863.648.0618

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Regions Bank
4300 US Hwy 98 N Lakeland
FL 33809 - www.regions.com
800.734.4667

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Bad Credit Loan Application Form for Lakeland FL Residents

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Lakeland FL Lender Service Area Map

Lakeland FL 5x5 Loan App Volume

Top Five Lakeland areas for loan pre-app volume over last five months. Source: WFL Lender Pool. Updated Monthly. See all Florida personal loan volume data.

  1. New Jersey Rd
  2. Lake Hollingsworth
  3. South Lake Morton
  4. Florida Southern College
  5. Lake Horney

Fair Credit Loan In Lakeland FL

Tammy has health insurance; however, the deductible is a whopping $10,000. She chose this level of insurance to make it more affordable for her.

The monthly premiums for a lower deductible were just too expensive.

Then her daughter got sick and needed to be hospitalized. She was in the hospital for over a week and the bill for the medical treatment was well into the six figures.

Fortunately, her insurance paid for most of the cost, but she still needs to pay the $10k deductible. She does not have the money and needs to borrow or finance this expense.

The hospital is being quite helpful and has given her time to make arrangements to pay what she owes.

While this is helpful on their part, there is a time limit to their generosity and they will initiate collection procedures on what she owes.

She is trying to find a lender who will approve the $10k loan. She does not have any other debts and she pays her credit card balance each and every month.

Tammy rents an apartment along with her husband and children. They are very worried about how they will be able to afford this added expense.

A $10000 loan with an five-year term and 5.5% interest rate for Tammy would cost her the following per month:

• Loan Amount (principal) = $10000
• Interest Rate = 5.5%
• Term Length = 5 year
• Monthly Payment = $191.01
• Total Paid Back = $11460.70
• Total Interest = $1460.70

This $10k loan will cost them just under $200 a month for a term of five years.

While they do not have anything they can use to offer as security for the loan, they do have a relatively good credit score and are considered to be a low risk client.

Many lenders will be willing to approve this loan to them.

Tammy and her family will weather this financial storm. Her husband just got a raise at work and they both are trying to work additional hours to make a little extra income.

They have to balance how much they work vs. time away from the family. Their daughter also needs help still after being released from the hospital.

She is much better, but still has a long way to go for a full recovery.

The family is also considering taking out another insurance policy to cover the deductible.

While this will cost them more each month, they do not want to face this kind of situation again. They are looking at their options and trying to decide what the best course of action would be.

Another approach is to set up an emergency savings account. Their objective would be to save a minimum $10k and always maintain this amount to cover any future emergency health expenses.

It is really difficult for them to pay off their $10 k loan and save $10k at the same time.

They know that they really do not have much choice. Everyone has emergencies of some kind in their lives and planning for them can help avoid any financial hardships.

If you live in Lakeland FL and you need a loan regardless of a bad credit rating our website may be very helpful.

All the best,

Chris Somerset

Chris Somerset is a dedicated writer for WeFindLenders.com.

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Job & Education Advancement Ideas in the Lakeland FL Area

Do you live in Lakeland and been dealing with money problems? It's never too late to upgrade your education and/or job.

Job Upgrade: Indeed / SnagAJob

Education Advancement: College / University

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Credit Counseling In Lakeland FL

Florida Credit Restoration
2215 Woods Trail Lakeland
FL 33809 - 863.797.7826

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CareOne Credit
914 Florida Ave S, Lakeland
FL 33803 - 863.937.1514

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Usury Law For Lakeland FL

Summary of Florida Usury Law that applies to Lakeland / Legal: 10% Contract: 18% and above $500K @ 25% Judgment: 6% Corporate: No ceiling

For more regarding Lakeland's legal authority on lending and finance check out the Florida State Legislature website see Statute §687 and §516.031 page.

If you believe any Lakeland company is acting in a predatory manner, please complain here:

Florida Office of Financial Regulation Division of Consumer Finance / Mailing Address: Florida Office of Financial Regulation / 200 E. Gaines Street, Tallahassee, FL 32399 / Physical Address: Florida Office of Financial Regulation / 101 E. Gaines Street Tallahassee, FL 32399 Phone: 850.487.9687 / Online complaint process

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
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  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
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  • Borrow between $500 and $150,000
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  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
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  • Borrow form $5000 - $150,000

 

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